互联网金融背景下大学生消费观的培养

高校大学生是互联网金融消费的重要年轻群体,因其巨大的消费潜力,众多互联网金融行业更是将其作为关键的目标客户。互联网金融在给大学生提供便利、缓解小额资金短缺的同时,还带来了重物质型消费、攀比心理和从众心理凸显等诸多问题。在良莠不齐、复杂多变的互联网消费背景下,政府、高校、家庭三者必须齐心协力,对大学生群体进行消费观教育,帮助大学生养成科学的消费理念,自觉抵御不良消费行为。     

享受型消费的现状分析

运用数据和图表对我国当前消费转型进行分析,揭示了生存型消费为主的消费模式正在向享受型、发展型消费为主的消费模式转换的事实;分析了享受型消费的现状及存在的问题,提出了建设性的建议。     

北京市个人住房消费信贷风险成因及对策研究

对北京市个人住房消费信贷风险成因进行了详细分析,借鉴国内外先进的风险管理理论和技巧,探索和研究如何将风险管理策略引入北京市个人住房消费信贷业务,从银行内外四个方面建立起适合北京市的个人住房消费信贷风险防范体系。     

符号消费与广告伦理

符号消费在现代经济与文化中的意义日益凸现,作为历史、文化和社会发展的产物,符号消费在促进经济发展的同时,也造成一定程度上的资源浪费.而广告传媒作为符号消费的重要推介力量,具有正确解读符号消费、避免消费异化的重要功能.关键在于,必须规范广告伦理,建立广告文化的伦理批评机制,倡导社会伦理、媒体伦理和广告人行为自律,培育和建构健康、适度、自主、和谐的消费伦理,使广告活动与伦理道德文化精神相吻合,实现功利性与伦理性的逻辑统一.     

桂林入境旅游者消费结构及相关行为因素分析

1973年5月,桂林市经国务院批准正式对外开放,成为我国最早接待外国游客的城市之一。经过三十多年的发展,桂林现在已成为一座国际性的旅游城市。通过相关统计数据,对桂林入境旅游者消费结构进行了分析,并从旅游者个性特征、旅游动机两方面对桂林入境旅游者消费行为因素进行了简单的讨论,认为可通过加大桂林娱乐、购物设施的建设,促进非基本旅游消费的发展,使桂林旅游消费结构日趋合理。     

Can public arts education replace arts subsidization?

The debate about whether the arts should be supported or not is far from new, and most governments support the arts in one way or the other. The literature considers several arguments in favor of such interventions. Public education may seem to be an action which could, in the long run, lead to possible reductions of subsidies. Surveys show that those who have been exposed to the arts when young participate more when adult. However, the “non-market” transmission from parents to children generates an external effect, which has to be taken into account to reach first-best situations. We construct an overlapping generations model in which young consumers are exposed to both public education toward the arts and to non-altruistic transmission of such a taste from their parents. We show that the first-best can be reached only if there is both public cultural education and subsidization of arts consumption. Therefore, education cannot be considered as a substitute for subsidies to arts consumption. However, as is often the case in European countries, government intervention is usually below the first-best level. Using a model calibrated on French data, we show that it is then preferable to subsidize education, while consumption, especially of the older generations, should be taxed rather than subsidized.

我国体育产业发展现状、问题与对策建议

体育产业化是世界体育强国发展的普遍规律,作为朝阳产业,它的发展程度是衡量一个国家体育经济与体育文化发展水平的重要标志。文中通过文献资料整理,对体育产业的概念进行了界定和阐释,以全球体育产业为视角,对美国、英国、德国和澳大利亚的发展状况进行对比分析,梳理和归纳我国体育产业发展特征,剖析我国体育产业存在的问题,以“十三五”国家发展战略为契机,提出了一系列促进我国体育产业整体发展水平的对策与建议,以期为我国实现体育强国梦提供一定的理论参考。     

East Asian pop culture and the trajectory of Asian consumption

This article focuses on Chua Beng Huat’s work on the East Asian pop culture that became more prominent in East and Southeast Asia from the 1990s, when the circulation of multilingual and multi-format pop culture started to exceed linguistic, ethnic and national boundaries. It argues that Chua’s work indicates that the pop-cultural production and innovation that support the globalisation and regionalisation processes in East Asia need not be national in origin but can hail from different national origins – and this despite the existing political realities of the region and its history of political fractures. Chua Beng Huat cautions, though, that the national popular can also be marshalled to defeat the border-crossing potential of an inter-Asian pop culture. What is the “Asia” imagined or being represented in such cultural production? Chua’s work is also distinctive in that it deals with the political and economic conditions that underpin mainstream pop consumption as a socio-cultural phenomenon, instead of examining consumption as identity politics. The article concludes by noting the significance that Chua as an institutional builder has played in enabling the study of East Asian pop culture in the region.     

ELES模型视角下宁波市城镇居民体育消费结构研究

运用文献资料法、问卷调查法、数理统计法,借助ELES模型对当前宁波市城镇居民体育消费结构进行分析。研究发现,体育消费结构中,非实物型所占比例略高于实物型;实物型基本体育消费需求仍高于非实物型;边际消费倾向和收入弹性研究方面,随居民收入提高对非实物型体育消费的需求量更大;价格弹性方面,实物型体育消费受价格因素影响的波动较小,更为稳定;最后,根据研究结果提出宁波市城镇居民体育消费结构相关建议。     

我国货币政策效果的一般均衡分析

在对银行信贷、企业投资借贷和居民消费等行为进行建模的基础上,就我国货币政策的效果进行一般均衡分析后发现,银行垄断的市场结构不利于信贷供给增加;预期通货膨胀(紧缩)也不利于信贷供给和信贷需求的收缩(扩张);由于降息的收入效应大于替代效应,跨期消费选择引起内需不足,消费下降.因此,要强化货币政策传导效果,必须完善金融体系,消除通货膨胀或紧缩环境.